The 65th Annual Meeting of Members is scheduled for Saturday, April 7, 2018 at 10:00 am and will be held at the credit union office. The meeting will include election of two to the Board of Directors. The Nominating Committee has put forth incumbents Gordon Taglieri and William Castor.

NEW R-S BELLCO VISA CREDIT CARDS

The new R-S Bellco VISA credit cards have arrived! Secured with EMV Chip technology, our members will now enjoy even more benefits holding an R-S Bellco card.

Access To Information - You now have on-line access to your credit card through AccessPoint. Check your balance, review transactions, make a payment and much more. Click the Access Point logo to sign up today! Mobile access is coming, so watch for more information soon.

What Do I Need To Do - Activate your new R-S Bellco VISA credit card and use it! If you haven't already, destroy your old silver R-S Bellco VISA credit card. Note that you now have a new account number. You must change any pre-authorized charges from your old card number to the new card number. Don't forget to change credit card information with your favorite on-line merchants too.

VISA Purchase Alerts - Don't forget to add another layer of security to your new R-S Bellco VISA credit card by registering to receive an alert anytime a charge is made on your card. Click on the VISA Purchase Alerts logo to register your new card today. Alerts are another way to stop fraud before it gets started.

IMPORTANT TO CHANGE WHERE YOU SEND PAYMENTS - If you have automatic payments to your R-S Bellco VISA credit card set up through a bill payment system at R-S Bellco or elsewhere, you MUST change where those payments are being sent! Payments sent to the old address after August 26, 2017 may experience significant delays in posting to your account. The new payment address is:

PO BOX 37603

PHILADELPHIA, PA 19101-0603

If you mail payments with the stub from your new account statement, the payment will arrive at the correct address. You can also make your payment at our office.

We added Virtual Branch Home Banking and On-line Bill Pay to transactions currently able to access the Courtesy Pay limit (checks, ACH, recurring debit card payments and teller window).

Members should monitor checking account activity to avoid overdrafts. Mobile banking and on-line banking can provide assistance in keeping up with your available balance. You can even set balance alerts through on-line banking to e-mail or text you when your account balance is getting low. The best practice is to avoid overdrafts, but when life happens, it is good to have Courtesy Pay.

* Accounts will be charged the standard Overdraft fee of $30 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $30 for items returned. An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to R-S Bellco Federal Credit Union or if your account is subject to any legal or administrative order or levy. Transactions may not be paid in the order in which they occurred, and the order in which transactions are received and processed may affect the total fees incurred.

Working with a leading provider of fraud detection solutions, R-S Bellco is offering Sherpa Identity Protection services that will equip you with the tools to protect your personal information using top ID protection technology. Sherpa experts will also provide identity/credit restoration and lost wallet services should the need arise.

Sherpa has three levels of protection to fit every need and budget. Clink on the SHERPA link for more information or to sign up and start protection today.

What is Shared Branching? Shared branching allows R-S Bellco members to make transactions on their R-S Bellco accounts at participating credit unions displaying the CO-OP Shared Branch logo, just as if they were standing in the lobby at R-S Bellco! Better yet, our members can make transactions on their accounts with other participating credit unions while they ARE in our lobby! Make deposits, withdrawals, loan payments, transfers, inquiries and more. How convenient is that?

Where is Shared Branching? Searching from the credit union, there are 3 shared branching locations with 10 miles, 12 within 20 miles and 46 within 50 miles. There are 170 shared branching locations throughout the Commonwealth of Pennsylvania and over 5,000 locations nationwide. To find a location near you go to www.co-opsharedbranch.org or download the CO-OP Shared Branch locater application for your smart phone.

How do I use Shared Branching? Go to a participating credit union location with your main R-S Bellco account number, a photo ID and let the teller know you want to make a transaction on your account with R-S Bellco! Your main R-S Bellco account number such as 1234-015. It is not the number on the bottom of your check. If you are not sure, call us before you go!

What does Shared Branching cost? Shared branching is FREE for R-S Bellco members!

ANOTHER CONVENIENT FREE SERVICE FROM YOUR CREDIT UNION!!

MOBILE BANKING IS HERE TOO!!!

Your R-S Bellco accounts just got mobile! Sign up today and securely take your R-S Bellco accounts with you using one of three great options. Check your balance, review transactions, transfer money between accounts or pay bills. Mobile banking gives you three ways to get your accounts mobile.

Smartphone and tablet users download the TouchBanking app to get access. If you use the internet web browser on your smartphone or tablet now to access your accounts, you can sign up for a mobile version that is designed specifically for smaller screen sizes. Don't have a smartphone? We've got you covered there too! There is a texting option that enables you to access account information through a series of text messages.

Get started by signing up through your home banking account. Once logged on, go to the Self Service tab and click on the Mobile Money link. Select the access option that interests you and follow the on-screen instructions to get access to the same accounts you have set up through home banking.

You are already mobile. Sign up today and make your R-S Bellco accounts mobile too!!

WOW!! A fixed-rate home equity loan as low as 2.99% for up to 10 years. You can borrow up to 80% of the appraised value of your home. We just require that there be no mortgage in front of our loan. If you already have a mortgage, no problem, we may be able to save you even more money by including that in your R-S Bellco Member Loyalty Reward loan.

Getting a loan always involves coming up with money to reimburse the lender for costs like getting your credit report, recording fees, etc. These costs can add up to more than $200 in some cases. NOT FOR OUR LOYAL MEMBERS!! Now R-S Bellco will absorb those costs for our MLR-qualifying members on new loans. Requires new loan proceeds of $20,000 or more and reimbursement of valuation (appraisal) costs.

R-S Bellco already has some of the lowest rates around on cars, trucks, motorcycles, boats and RV's. Well, for our loyal members, those rates just got lower! (Take the additional 1/2% off our new and late-model used car loan and the rate goes to as low as 1.49%!). It doesn't matter what term or model year you choose, as a loyal member you save with us. You can almost smell the savings.

Use your reward to refinance your mortgage or cars. Maybe you just need to consolidate bills, buy a new car or make improvements around the house. Whatever the reason, act now and enjoy the rewards for you loyalty.

We are excited to be able to make the convenience, affordability and flexibility of our new Home Equity Line of Credit ("HELOC" for short) available and at such a great promotional rate. Use your HELOC for purchases big and small.

CONVENIENT

Use your HELOC when YOU need it. After initial qualification, you can use your R-S Bellco HELOC at any time for any reason.

Want to make some home repairs? Your HELOC has your back.

Looking for a car? Count on your HELOC!

Splurge at the mall? Let your HELOC bail you out.

We make accessing your HELOC easy too!

Write a Home Equity Credit Line check.

Stop in the credit union for an advance.

You can even access your HELOC through Home Banking!!

AFFORDABLE

Your R-S Bellco HELOC helps you save in some very important ways...

Save up to $200 or more in up-front costs for NEW lines of $20,000 or more. You pay only for valuation (appraisal) costs.

Our 1.75% promotional rate for the first 12 months simply can't be beat. After the first year you will continue to enjoy a great rate equal to Prime Rate, with a minimum of 4.00%.

Your monthly HELOC loan payment is set at a very affordable 1.0% of your balance after the latest advance.

The interest you pay on your HELOC may be tax deductible (consult your tax advisor)

FLEXIBILITY

Your R-S Bellco HELOC offers a lot of flexibility too. After the initial draw, you can add to your HELOC without the hassle of re-applying. You may also pay more than your minimum payment anytime to reduce the amount if interest you will pay in the future.

APR=Annual Percentage Rate. Rate discount is based on a one year fixed term from the initial disbursement date. After one year, the APR will be indexed to the Prime Rate found in the Money Rates Section of the Wall Street Journal published 15 days prior to the first day of each calendar quarter with a minimum 4.00% APR. Minimum credit limit is $10,000. Other terms apply. Rates are effective as of April 1, 2012. All rates are subject to change without notice. All loan approvals are subject to normal underwriting procedures. Loan must be secured by primary residence, which must be owner-occupied.

Whether you are just starting to look for a car or you already have the car and got your financing through the dealer, do yourself a favor and check out our low rates and save. Even if you have had your car for a couple of years, bringing your loan to R-S Bellco may save you big $$$’s.

Need a longer term? We also have rates as low as 2.99% for up to 60 months or 3.49% for up to 72 months.

Save even more by taking an extra 1/2% off these already low rates when you qualify for Member Loyalty Rewards!

You can get a fixed-rate home equity loan at the CRAZY-LOW rate of just 2.75% for up to 60 months. Use the equity in your home to consolidate debts, make home improvements, finance a college education or for any other reason. The interest you pay may be tax deductible (consult your tax adviser).

Did you overdo it over the holidays? Does the car need repairs? Do you just need to get out of town?!!!!!!Whatever your need, we have a solution. Qualified borrowers can get up to $3,000.00 for up to 18 months at 7.99%.

We recently updated our Courtesy Pay program to add some great features! Participating members received information about the update in a mailing sent in early May. Courtesy Pay will now be available using your debit card, home banking and on-line bill pay!

Why Courtesy Pay?

Have you ever had a check or other payment returned due to insufficient funds? That can be really embarrassing, frustrating and can result in additional fees from the merchant or retailer. R-S Bellco understands that members need an occasional safety net to avoid this type of situation, which is why we offer Courtesy Pay.

What is Courtesy Pay?

Courtesy Pay is a non-contractual overdraft program that we offer to our members with eligible share draft (checking) accounts. As long as you maintain your account in good standing, we may cover insufficient items up to your approved limit of $500.00. We will charge our normal NSF fee of $30.00 and send you a notice each time an overdraft occurs. You are required to make a deposit and bring your account to a positive balance within 32 days. Click here to learn more about the updated Courtesy Pay service.

Are Other Overdraft Protection Options Available?

Yes, we offer overdraft protection alternatives, such as overdraft transfer from other share (savings) accounts, which may be less expensive than Courtesy Pay. To learn more about automatic transfer services or to arrange for service, ask us for an authorization form.

Did you know that mortgage rates are near all-time lows? If the rate on your mortgage is not as low as these rates, check with our partners at Owners Choice Funding (formerly CUC Mortgage) about a refinance to reduce your payment. Click on their logo below to apply on-line and check on current rates. Do you need more help? Come in to see Chris and she will help walk you through the process. Other terms and rate options are available.

Our rates start as low as 3.74% with MEMBER LOYALTY REWARDS for new and late model motorcycle loans and are great for all the toys. Check all our rates out on-line at www.rsbellcofcu.com or call Chris to get a fast, free personal rate estimate.

Come use our coin machine to turn that loose, heavy change into the folding green stuff. Better yet, stash it away in your savings for a rainy day! There is a small 3% charge for the service. Compare and save. Just another in the long list of services we provide our members.

Start enjoying the convenience and savings by enrolling on-line today. Just log onto Virtual Branch Home Banking and click on the Self Service tab. Select Bill Pay Enrollment from the Additional Services box to sign up for on-line bill pay and follow the easy instructions to sign up. Then select eStatements from under the Additional Services box to sign up to receive statements on-line.

On-Line Bill Pay

It's convenient, safe and free! Paying bills is a hasssle for most of us. With Bill Pay, a few clicks and your bills will be paid with no check-writing, no stamps and no trip to the post office. You can pay the telephone bill or send a check to Uncle Joe in Arizona. The only setup required is the name, address, telephone number of the person or company you are paying and your account number with them. Then you are ready to pay!

Other great features include...

Saves time paying bills, saves money on stamps, and saves time AND money getting to the post office to mail the bills.

Payments scheduled for payment at least 5 business days before the due date are eiligible for a $50.00 late fee reimbursement guarantee (see Bill Pay terms and conditions for details).

Schedule regular equal payments and they will be made automatically. You control the payment frequency, amount and number of payments. Great for loan payments.

Payment calendar provides a quick summary of payments already made and scheduled to be made.

Sign up today for eStatements through Statement Express to get your statements FAST! Statment Express will even notify you by e-mail when your statement is ready to view. If that isn't enough, Statement Express will store your statements on-line for a year, so you don't have to.

Statement Express also let's you do your part to help the environment by viewing and not printing statements. It may be a small thing, but we all need to do our part to preserve the planet on which we live.

R-S Bellco members may now use any PNC ATM without incurring a costly surcharge. PNC has ATM’s at over 6,000 locations in branches and other locations, including area Co-Go’s and 7-11’s. To find locations near you, click here to open the PNC website. Click on LOCATE PNC at the top of the page to open the ATM locator link. Just enter your address and make sure only the ATM box is checked, then click SEARCH and your surcharge-free ATM options will appear.

A search around the R-S Bellco office showed 8 surcharge-free PNC ATM’s within 5 miles and 13 within 10 miles. We are sure you will find multiple convenient locations as well.

Please call the appropriate number below to report a lost or stolen credit or debit card outside of normal credit union hours. Your quick action will limit loss and hassle from unauthorized use.

VISA CREDIT CARD - CALL 1-800-449-7728

VISA DEBIT CARD - CALL 1-800-472-3272

Phishing Alert

A scam was operating in our area. Members have received telephone calls on cell or land lines with an automated voice saying your debit or credit card has been deactivated and to call a number. There they ask for sensitive card and personal information.

This is an attempt to steal your information!

R-S BELLCO will NEVER call to ask for debit or credit card information. If you do get a call, do not give any information like your name, social security number, or any information from your debit or credit cards or accounts with us.